BrioDirect vs. SoFi Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 21, 2026 | SoFi BankSoFi Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% - 4.00% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$183 $10,000+$365 $25,000+$913 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Limited offer: The 4.00% includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account with a 0.50% APY. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppZelle® SupportedChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing BrioDirect vs. SoFi Bank
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to SoFi Bank's 4.00% APY for its SoFi Savings account, with a minimum balance of $0.
BrioDirect pays $10 more than SoFi Bank on a $10,000 balance after one year. BrioDirect pays $375, while SoFi Bank pays $365 (with an effective APY of 3.65%) - an APY advantage for BrioDirect.
Why BrioDirect?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.4 vs 3.9)
Why SoFi Bank?
- ✓Earn a $50 bonus with $1,000+ in direct deposits, or $300 with $5,000+.
- ✓Earn 0.50% APY on checking account with access to 55,000+ fee free ATMs
- ✓Higher potential APY (4.00% vs 3.75%) for a duration of 6 months (requires checking bundle)
— Key Feature Differences —
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $10 more interest on a $10,000 balance than SoFi Bank's SoFi Savings.
*This comparison accounts for SoFi Bank's introductory promotional rate, yet BrioDirect's standard rate still yields a higher 1-year return.
Executive Summary as of
SoFi Bank offers a competitive SoFi Savings account with an APY of 4.00%, which includes a temporary 0.70% boost for six months. This account requires either a direct deposit of regular income or a $10/month subscription fee, and comes bundled with a checking account that has a 0.50% APY. In comparison, BrioDirect's High-Yield Savings Account provides a straightforward 3.75% APY with no direct deposit requirement or maintenance fees, but requires a minimum deposit of $5,000. Both accounts are online-only, but SoFi's higher APY makes it the more attractive option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. SoFi Bank Savings Calculator
You earn $10.1 more with BrioDirect than SoFi Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
SoFi Bank
SoFi Savings
Promo Rate: 4.00% for 6 months, then 3.30%.
Savings Breakdown
- Interest Earned+$364.90(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,364.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | SoFi Bank |
|---|---|---|
| APY | 3.75% Verified: 1/21/2026 ↘︎ 0.45%90d Change | 4.00% Range: 3.30% - 4.00% Verified: 1/21/2026 ↘︎ 0.50%90d Change |
| Product Name | High-Yield Savings Account | SoFi Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | While direct deposit is not required, the alternative is a subscription fee of $10/month |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.8 Android3.9 |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Available Native support added in 2024 for banking members. |
| BBB Rating | B- | A+ |
| Important Notes | - | Limited offer: The 4.00% includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account with a 0.50% APY. |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at SoFi Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | SoFi Bank |
|---|---|---|
| High-Yield Savings Account | SoFi Savings | |
Current APY | 3.75% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.5 | 5.2 |
Days Since Change | 40 | 29 |
12-Month High | 4.55% | 4.50% |
12-Month Low | 3.75% | 3.80% |
Adjustments / Mo | 0.58 | 0.33 |
Volatility Score | 0.060 | 0.070 |
How to read these metrics(Click to expand)
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